ADHD clinics with payment plans

Arrangements differ by clinic. Some use a third-party healthcare finance provider (you apply during booking and get a decision there and then) and others run their own instalment plan directly. Terms, deposits and whether interest applies are set by the clinic or the finance provider, so check before you commit.

Yes, most payment plan providers perform a soft or hard credit check. Soft checks don't affect your credit score and give you an eligibility indication. A hard check is performed when you confirm the finance agreement.

Some clinics offer 0% interest if you pay within a certain period (e.g., 6-12 months). Longer payment terms may incur interest. Check with each clinic for their specific finance options and terms.

NHS Right to Choose can mean the NHS pays for the assessment, so a payment plan would not be needed for it: 5 of these clinics accept Right to Choose referrals. Some local NHS areas now limit the number of Right to Choose assessments they fund and have set minimum waits, so an NHS-funded wait can be much longer than the private wait shown for a clinic. Before your GP refers you, ask the clinic whether it is taking Right to Choose referrals from your area and what its wait is. You can also use payment plans for any follow-up costs not covered by the NHS.

If you're declined for finance, some clinics offer their own payment plans with less strict requirements. You could also consider saving up, using a 0% credit card, or asking your GP whether NHS Right to Choose is available in your area, where the NHS pays for the assessment.